Gemini Credit

The headline here is 4% back on gas, EV charging, and transit, but read the fine print: those three share a single $300 per month cap, and spending past it drops to 1%. That works out to about $12 a month at the top rate, so treat this as a commuter card rather than the one you reach for by default. Below that, 3% on dining and 2% on groceries are respectable for a card with no annual fee and no foreign transaction fee, though everything else earns just 1%. The cap resets on the 1st of each month, which makes it easy to plan around if your driving and transit spend is steady. The regular APR runs from 16.49% to 34.49% and there's no signup bonus to jumpstart the first year, so this is a slow, pay-in-full build rather than a quick win.